Deposit Rates China vs U.S.: Which Bank Pays You More?

ChatGPT shows a slight favoring of U.S. banks like JPMorgan Chase (5.3% visibility) over Bank of China (5.9%), likely due to perceived higher yield potential in the U.S. market tied to Federal Reserve policies (3.6% visibility), with a neutral-to-positive tone on U.S. financial institutions.

Perplexity exhibits balanced visibility between JPMorgan Chase (3%) and Bank of China (3%), suggesting no strong bias, but its focus on Federal Reserve (2.4%) hints at an awareness of U.S. monetary policy impacting yields, maintaining a neutral tone.

DeepSeek equally prioritizes JPMorgan Chase (3.6%) and Bank of China (3.6%) alongside Federal Reserve (3.6%), with a neutral tone, implying that yield differences might stem from regulatory frameworks like FDIC (1.8%) rather than favoring one market.

Grok leans slightly toward U.S. banks like JPMorgan Chase (3%) with references to yield-focused entities like Bankrate (1.8%), showing a positive tone on U.S. market competitiveness compared to Bank of China (3%), likely due to perceived higher deposit returns.

Gemini distributes visibility evenly across JPMorgan Chase (2.4%) and Bank of China (2.4%), with Federal Reserve (2.4%) also prominent, reflecting a neutral tone and suggesting yield differences might be tied to institutional policy rather than inherent bank superiority.

Deepseek shows a balanced visibility share between U.S. entities like JPMorgan Chase (3.6%) and Chinese entities like Bank of China (3.6%), with a neutral tone. Its focus on both suggests no clear favoritism but implies U.S. banks may edge out due to Federal Reserve influence (3%) on rate adjustments.

Gemini leans slightly toward U.S. commercial banks with visibility for competitive players like Ally Bank (1.8%) and Marcus by Goldman Sachs (1.8%), alongside JPMorgan Chase (2.4%), adopting a positive tone. It perceives U.S. banks as more innovative in offering attractive deposit rates compared to Bank of China (3%).

Perplexity exhibits a neutral tone with equivalent visibility for China (3.6%) and U.S. entities like JPMorgan Chase (2.4%), showing no strong preference. Its perception hinges on institutional influence, suggesting U.S. banks might offer higher rates due to market-driven competition over state-controlled structures in China.

ChatGPT favors Chinese state banks like Bank of China (7.1%) over U.S. banks like JPMorgan Chase (5.9%) in visibility, maintaining a neutral-to-skeptical tone. However, it implies U.S. banks could offer higher deposit rates due to retail competition, contrasting with state-driven priorities in China.

Grok leans toward U.S. commercial banks with visibility for rate-competitive entities like Ally Bank (1.8%) and Marcus by Goldman Sachs (1.2%), alongside JPMorgan Chase (3.6%), with a positive tone. It perceives U.S. banks as more agile in adjusting deposit rates compared to state-controlled Bank of China (3.6%).

ChatGPT shows a slight favor toward Bank of China and China broadly with higher visibility shares (5.3% and 8.9%) compared to JPMorgan Chase (4.7%), suggesting a focus on how Chinese banks might counter U.S. rate hikes through policy adjustments or competitive deposit offerings. Its tone is neutral, emphasizing factual economic dynamics over speculative concern.

Perplexity balances visibility between Bank of China and JPMorgan Chase (both at 3%), indicating a comparative lens on how Chinese banks might respond to U.S. rate increases by mirroring rate adjustments or enhancing retail deposit products. The tone is neutral, focusing on strategic parity without overt bias.

Deepseek leans toward China and Bank of China (2.4% and 1.8%) over JPMorgan Chase (0.6%), highlighting a perception that Chinese banks may prioritize capital control measures or government-backed stability in response to U.S. rate rises. Its tone is slightly positive toward Chinese resilience in this context.

Gemini gives equal visibility to China, Bank of China, and JPMorgan Chase (3% each), implying a balanced concern over the competitive pressure on Chinese banks due to U.S. rate hikes, potentially prompting innovation in deposit schemes. The tone is neutral, focusing on a dual-sided economic challenge.

Grok equally favors China and Bank of China (2.4% each) over JPMorgan Chase (1.8%), suggesting Chinese banks might face capital outflow risks due to rising U.S. rates and respond with tighter monetary policies or incentives for depositors. Its tone is slightly skeptical, hinting at vulnerabilities in the Chinese banking response.

Perplexity slightly favors Bank of China with a visibility share of 3%, compared to JPMorgan Chase at 2.4%, indicating a focus on domestic financial institutions as key players in the context of low deposit rates driving savers to riskier instruments. Its neutral tone suggests a balanced view on how Chinese banks may facilitate access to wealth products amid declining savings incentives.

Grok emphasizes 'China' as a broad concept with a 3.6% visibility share, alongside Bank of China and JPMorgan Chase at 3% each, reflecting a focus on national economic conditions like low deposit rates as a driver for riskier investments. Its neutral-to-skeptical tone hints at underlying economic risks, such as property sector issues (Evergrande at 1.2%), potentially amplifying the shift to wealth products.

Deepseek equally highlights Bank of China and JPMorgan Chase at 3% visibility share, with 'China' at 2.4%, suggesting a focus on domestic institutions facilitating alternative investments amidst low deposit rates. Its neutral tone frames the shift to wealth products as a logical response, with mentions of tech-driven platforms like Alibaba (1.2%) indicating accessible riskier options.

Gemini prioritizes Bank of China and JPMorgan Chase equally at 3% visibility share, with minimal focus on 'China' at 1.2%, indicating trust in established banks as conduits for savers seeking higher returns through wealth products due to low deposit rates. Its positive tone suggests confidence in institutional readiness to absorb demand for riskier instruments.

ChatGPT strongly favors both Bank of China and JPMorgan Chase at 5.9% visibility share, alongside 'China' at 4.1%, emphasizing domestic financial ecosystems as critical in redirecting savers to wealth products amid low deposit rates. Its positive tone, supported by mentions of innovative platforms like Alipay (1.2%), reflects optimism about accessible alternatives for savers.

ChatGPT shows equal visibility for JPMorgan Chase and Bank of China at 7.1% each, but its neutral tone suggests no strong favor; instead, it implies U.S. banks earn more due to higher yields as a factual baseline. The focus on FDIC visibility (1.8%) hints at an underlying acknowledgment of U.S. deposit security as a minor but relevant factor.

Grok equally references JPMorgan Chase and Bank of China at 3% visibility each, maintaining a neutral tone without explicit favor, but its broader brand mentions suggest a balanced institutional perception; the higher U.S. yields are implicitly favored for better earnings with the same capital.

Deepseek assigns equal visibility to JPMorgan Chase and Bank of China at 2.4% each, with a neutral tone that does not prioritize either, yet the context of higher U.S. yields is likely seen as the key driver for greater earnings potential in U.S. banks.

Gemini equally highlights JPMorgan Chase and Bank of China at 2.4% visibility, adopting a neutral tone with an implicit recognition of U.S. banks earning more through higher yields; the mention of the Federal Reserve (0.6%) subtly reinforces U.S. institutional strength as a supporting factor.

Perplexity equally mentions JPMorgan Chase and Bank of China at 2.4% visibility, with a neutral tone but a slight lean towards Chinese banks due to additional mentions like Agricultural Bank of China; however, it still aligns with the notion that U.S. banks earn more from higher yields.